中文版

平安氧气贷面谈问什么？

当您准备申请平安氧气贷时，面谈是必不可少的一个环节。那么，在面谈过程中，银行会询问哪些问题呢？

一、基本情况了解

银行首先会询问您的基本情况，包括姓名、年龄、职业、收入等。这是为了确认您的身份和还款能力，以便银行做出贷款决策。

二、贷款用途和还款计划

银行还会询问您申请贷款的用途以及还款计划。这是为了了解您的贷款需求是否合理，以及您是否有明确的还款计划和还款意愿。

三、信用记录和征信情况

银行会查询您的信用记录和征信情况，以评估您的信用状况和还款能力。银行可能会询问您是否有过逾期还款、欠款等不良信用记录。

四、担保情况

如果您申请的是担保贷款，银行会询问您的担保情况，包括担保人的身份、担保能力等。银行需要确保担保人有足够的担保能力，以确保贷款的安全。

英文版

What Questions Are Asked in Ping An Oxygen Loan Interview?

When preparing to apply for Ping An Oxygen Loan, the interview is an essential step. So, what questions will the bank ask during the interview?

1. Basic Information Inquiry

The bank will first inquire about your basic information, including your name, age, occupation, income, etc. This is to confirm your identity and repayment ability so that the bank can make a lending decision.

2. Purpose of Loan and Repayment Plan

The bank will also inquire about the purpose of your loan application and your repayment plan. This is to understand whether your loan demand is reasonable and whether you have a clear repayment plan and willingness.

3. Credit Record and Credit Investigation

The bank will inquire about your credit record and credit situation to assess your credit status and repayment ability. The bank may ask if you have had any adverse credit records such as overdue repayments or debts.

4. Guarantee Situation

If you are applying for a guaranteed loan, the bank will inquire about your guarantee situation, including the identity and guarantee ability of the guarantor. The bank needs to ensure that the guarantor has sufficient guarantee ability to ensure the safety of the loan.